PRIVACY POLICY

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What does BNB Credit Builders do with your personal information? Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.


Please read this notice carefully to understand what we do.

  1. The types of personal information we collect and share depend on the product or service you have with us. This information can include: specific product or service needs, social security numbers, credit profile, address & payment information.
  2. All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons BNB Credit Builders, LLC. chooses to share; and whether you can limit this sharing.


Reasons we can share your info Do we share your info? Can you limit this sharing?
For our everyday business purpose - such as to process your transactions, maintain your account(s), respond to court orders and legal investigation, or report to credit bureaus Yes, we share your info with necessary parties to help facilitate the products and services you have contracted for. No
For our marketing purpose - to offer our products and services to you We share your info with vendors that assist us in offering various opportunities to you. Yes, you can opt out of receiving any products other than the products or services you have contracted for.
For joint marketing with other financial companies We occasionally share information with other financial and non financial entities. Yes, you can opt out of any non-essential sharing with third parties.
For our affiliates' everyday business purposes - information about your transactions and experiences Yes we share your info with affiliated parties to help facilitate your goals. Yes, you can opt out of any non-essential sharing with third parties.


To limit our sharing of information or for any questions: Call us at 888-809-4262

Please note if you are a new customer we can begin sharing your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.


How does BNB Credit Builders protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted storage of all personal information, data security and breach protocols and secured files and buildings. All employees are trained and monitored on privacy and security protocols, we monitor all offices with cameras, and protect them with monitored alarm systems, we additionally destroy all physical documents after they are no longer needed, and keep electronic copies of them in a secure encrypted environment.


Information for Vermont, California and Nevada Customers:

In response to a Vermont regulation, we automatically treat customers with Vermont billing addresses as if they requested us not to share your information with nonaffiliated third parties, and that we limit the information we share with any affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you. In response to a California law, we will automatically treat individuals with a California billing addresses as if they had requested us not to share their information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us. Residents of the State of California may request a list of all third-parties to which we have disclosed certain information during the preceding year for those third-parties' direct marketing purposes. If you are a California resident and want such a list, please contact us at BNBCreditBuilders, LLC, at 4002 Main St. Erie Pa. 16511 or contact us at the telephone number listed above. In response to Nevada law, we are providing you this notice. You may be placed on our internal Do Not Call List by contacting us at the address set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132 ; e-mail: ​ BCPINFO@ag.state.nv.us​ .


How do we collect your personal information?

We collect your personal information from any and all interactions that you have on our websites, web portals, email communications, telephonic communications, mail services and face to face interactions.


Why can’t I limit all sharing?

Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services and or delivery of contracted products.


What happens when I limit my sharing for an account I hold jointly with someone else?

We limit sharing for both individuals to ensure protection of your wishes.


Definitions:

  • Affiliates:​ Companies related by common ownership or control. They can be financial and non-financial companies.
  • Non-Affiliates:​ Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Joint Marketing:​ A formal agreement between non-affiliated financial companies that together market financial products or services to you.